TellerScore

The Stephenson National Bank and Trust (FDIC certificate #5306) is based in Marinette, Wisconsin. Its Q2 2026 call report shows $676.8M in total assets and $588.0M in deposits and 7 offices across 2 states.

Based on its Q2 2026 filing, The Stephenson National Bank and Trust scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 110th. Its strongest component is problem-loan coverage (81/100; 9.3%), and its lowest is capital cushion (51/100; 10.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.07%
Loan quality62/100
Noncurrent loans ÷ total loans: 1.15%
Earnings76/100
Return on assets (annualized): 1.41%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 83.7% · 14.9% uninsured
Problem-loan coverage81/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.30%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (68 → 66), mostly because the loan quality component weakened by 15 points.

TellerScore
616772Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202463
Q4 202461
Q1 202563
Q2 202568
Q3 202572
Q4 202570
Q1 202667
Q2 202666
Tier 1 leverage ratio
5.00%7.53%10.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.48%
Q3 20249.46%
Q4 20249.45%
Q1 20259.48%
Q2 20259.70%
Q3 20259.78%
Q4 20259.74%
Q1 20269.78%
Q2 202610.07%
Noncurrent loans
0.39%0.78%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.78%
Q3 20241.17%
Q4 20241.12%
Q1 20251.07%
Q2 20250.68%
Q3 20250.43%
Q4 20250.39%
Q1 20261.07%
Q2 20261.15%
Return on assets
1.10%1.40%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.70%
Q3 20241.37%
Q4 20241.10%
Q1 20251.21%
Q2 20251.37%
Q3 20251.49%
Q4 20251.22%
Q1 20261.60%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$676.8M10.07%1.15%1.41%83.7%
Q1 202667$684.1M9.78%1.07%1.60%84.5%
Q4 202570$693.4M9.74%0.39%1.22%86.6%
Q3 202572$689.5M9.78%0.43%1.49%83.7%
Q2 202568$686.5M9.70%0.68%1.37%83.4%
Q1 202563$689.8M9.48%1.07%1.21%82.7%
Q4 202461$681.1M9.45%1.12%1.10%81.9%
Q3 202463$683.8M9.46%1.17%1.37%82.3%
Q2 202470$672.1M9.48%0.78%1.70%82.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.07%
33rd
Total risk-based capital0.00%
24th
Problem loans1.15%
24th
Net charge-offs0.01%
48th
Return on assets1.41%
60th
Net interest margin4.03%
55th
Efficiency ratio72.6%
24th
Loans to deposits83.7%
41st
Uninsured deposits14.9%
82nd
Loan-loss reserves1.44%
74th
Texas ratio9.3%
20th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Community State BankBank Union Grove, WI74 out of 100, Strong$667.5M9.6%0.28%vs
AbbyBankBank Abbotsford, WI56 out of 100, Moderate$662.2M9.4%1.34%vs
Citizens State Bank of La CrosseBank La Crosse, WI76 out of 100, Strong$648.5M13.4%1.06%vs
Community First BankBank Boscobel, WI78 out of 100, Strong$634.1M11.0%0.32%vs
Bank of LuxemburgBank Luxemburg, WI68 out of 100, Moderate$723.4M9.6%0.18%vs
Northwestern BankBank Chippewa Falls, WI80 out of 100, Strong$725.6M11.2%0.03%vs

Deposit insurance

Is my money safe at The Stephenson National Bank and Trust?

Yes. The Stephenson National Bank and Trust is an FDIC-insured institution (FDIC certificate #5306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.9% of deposits ($87.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

The Stephenson National Bank and Trust lists 6 offices in 6 cities across 2 states. Most locations:

  • Crivitz, WI (1)
  • Marinette, WI (1)
  • Menominee, MI (1)
  • Oconto, WI (1)
  • Pembine, WI (1)
  • Wausaukee, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Stephenson National Bank and Trust reported 230 home-loan applications under HMDA (LEI 549300508JOHWSRFDR57): 180 originated ($34,850,000 total), 21 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Stephenson National Bank and Trust
Former names
The Stephenson National Bank of Marinette
Type
National bank
FDIC certificate #
5306
RSSD ID
598048
Primary regulator
OCC
Holding company
Stephenson National Bcorp Inc
Established
October 30, 1874
Headquarters
1818 Hall Ave, Marinette, WI 54143
Employees
121

Quick answers

The Stephenson National Bank and Trust: common questions

Is The Stephenson National Bank and Trust FDIC insured?

Yes. The Stephenson National Bank and Trust is an FDIC-insured institution (FDIC certificate #5306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Stephenson National Bank and Trust's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Stephenson National Bank and Trust ever failed?

There is no failure record for FDIC certificate #5306 in the FDIC failed bank list.

How many branches does The Stephenson National Bank and Trust have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Marinette

InstitutionScoreAssetsCapitalProblem loansCompare
Bay Shore Credit UnionCredit union Marinette, WI92 out of 100, Very strong$48.2M18.6%0.27%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
N.E.W. Credit UnionCredit union Oconto Falls, WI77 out of 100, Strong$178.2M11.1%0.36%vs
Forward Financial Credit UnionCredit union Niagara, WI75 out of 100, Strong$85.9M13.5%0.79%vs
The Peshtigo National BankBank Peshtigo, WI69 out of 100, Moderate$300.0M9.0%0.00%vs
Capital Credit UnionCredit union Green Bay, WI69 out of 100, Moderate$2.8B12.3%0.90%vs